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  <!-- Trust / Legal pages -->
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  <!-- New Jersey hub pages -->
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    <lastmod>2026-10-26</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- New Jersey guides and landing pages -->
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    <loc>https://formapauper.com/nj-pro-se-document-maker</loc>
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  <!-- New York hub pages -->
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  <!-- New York guides and landing pages -->
  <url>
    <loc>https://formapauper.com/ny-fee-waiver</loc>
    <lastmod>2026-10-26</lastmod>
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  <!-- Tools and directories -->
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  <url>
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